Home loans that are good different

Big bank making it hard? We’re different, considering your individual circumstances. Our flexible criteria means we can help more people like you, get a home loan

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Buy a Home

Realise your dreams of owning a home with our owner occupier loans

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Invest in Property

Solutions for your next residential investment

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SMSF investment

Use your SMSF to invest in residential property

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No Lender’s Mortgage Insurance^.

Variable rates starting from 7.29% p.a.*

Solutions for any circumstance

Low Deposit

Enjoy up to 90% LVR

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Self Employed

Alternative income verification

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Poor Credit

Our flexible approach can help

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Refinancing

Debt consolidation made easy

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Different Circumstances

Circumstances taken into account

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Why more borrowers are choosing Bluestone

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The Bluestone Home Loans difference

We assess each application on a case-by-case basis to understand your story.

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Finding the right broker for you

Currently Bluestone Home Loans are available exclusively via a broker. 

customer satisfaction is my specialty

1:1 support every step of the way

A dedicated customer service team is here to assist you through the life of your loan

Helpful home loan tools and guides

Designed to help you better understand home loan rates, fees, repayments and lingo

A few tips to help you get started

Discover tools, tips and insights to understand everything the home loan process, managing your loan, proper investment, and more.

Home Loan Solutions

The home loan process

Finding the right broker

Home Loan Solutions

The home loan process

How do low-doc home loans work?

What Our Customers
Are Saying

What customers and brokers
love about Bluestone

Bluestone made the whole experience absolutely painless.

Steve W, NSW

29 September, 2022

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Bluestone's customer service is definitely something which other institutions should be striving for.

Neil B, NSW

8 June, 2023

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After being refused by banks, Bluestone was the only one to take the time to evaluate our individual circumstances

Andrea S, NSW

23 September, 2023

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I would recommend Bluestone to anyone with out-of-the-norm home loan needs.

Cory D, QLD

16 December, 2023

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I wouldn't hesitate to recommend Bluestone to anyone requiring a home loan.

Leanne D, QLD

4 March, 2024

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Have Questions?

We’re always here to help! Check out our full list of FAQs or get in touch with our team.

Am I eligible for a Bluestone home loan?

To be eligible for a Bluestone home loan you need to be:

  • An Australian citizen or permanent resident living in Australia
  • Over 18 years old
  • Employed (includes self-employed)
  • Buying or refinancing an established residential property – not off the plan or construction
  • An owner occupier or investor (your loan purpose will affect your rates)
  • Looking to borrow between $100,000 and $3m.

Does Bluestone charge lender’s mortgage insurance?

At Bluestone, we don’t charge lender’s mortgage insurance (LMI), however we do charge a risk fee on some of our products.

Does Bluestone offer line of credit?

Yes. We offer a line of credit of up to $500,000 on Prime and and Near Prime full doc and $200,000 on other products except for Specialist +.

Can I get a home loan if I’m bankrupt?

Depending on your circumstances you may be able to get a home loan if you have a previous bankruptcy. Our Specialist and Specialist+ products are intended to help borrowers who are recovering from previous difficulties. Find out more here or call us on 13 25 83 to talk to a loan specialist about your individual situation.